Property Services Charges

Buying a property is likely to be one of the biggest financial decisions you ever make. Let us help you secure the very best mortgage, tailored to your specific needs.

Property Buying Services Charges

At NorthStar, we have a commitment to providing clear and simple charges for all our services. When we provide you with mortgage advice, you will always know how much you will be charged and can be confident that you will pay some of the most competitive rates around. All our mortgage charges are split into two distinct parts:

Mortgage advice fee: Payable at outset

Mortgage completion fee: Payable only on successful completion

First-time Buyer Mortgages

To provide our full first-time buyer mortgage service including affordability assessment, product research, mortgage advice, application and administration, we have two distinct charges. The first charge is a mortgage advice fee. This is £250 (currently discounted to £99 as a special offer) payable at outset and is non-refundable. Upon completion, we charge a mortgage arrangement fee. This is 0.3% of the mortgage value. If you choose to pay the mortgage arrangement charge directly, we will rebate any commission received from the mortgage provider to you. Alternatively, you may instruct us to use the commission we received to reduce or eliminate your arrangement fee. Any commission received in excess of our charges will always be rebated to you.

Re-mortgaging

To provide our full re-mortgage service including affordability assessment, product research, mortgage advice, application and administration, we have two distinct charges. The first charge is a mortgage advice fee. This is £250 (currently discounted to £99 as a special offer) payable at outset and is non-refundable. Upon completion, we charge a mortgage arrangement fee. This is 0.3% of the mortgage value. If you choose to pay the mortgage arrangement charge directly, we will rebate any commission received from the mortgage provider to you. Alternatively, you may instruct us to use the commission we received to reduce or eliminate your arrangement fee. Any commission received in excess of our charges will always be rebated to you.

For example, to provide our re-mortgage service on an amount of £400,000 would cost £99 plus £1,200 (£400,000 x 0.3%) = £1,299.

Buy-to-let Mortgages (coming soon)

To provide our full buy-to-let mortgage service including affordability assessment, product research, mortgage advice, application and administration, we have two distinct charges. The first charge is a mortgage advice fee. This is £350 payable at outset and is non-refundable. Upon completion, we charge a mortgage arrangement fee. This is 0.3% of the mortgage value. If you choose to pay the mortgage arrangement charge directly, we will rebate any commission received from the mortgage provider to you. Alternatively, you may instruct us to use the commission we received to reduce or eliminate your arrangement fee. Any commission received in excess of our charges will always be rebated to you.

For example, to provide our buy-to-let mortgage service on an amount of £200,000 would cost £350 plus £600 (£200,000 x 0.3%) = £950.

Overseas Mortgages (coming soon)

To provide our full overseas mortgage service including affordability assessment, product research, mortgage advice, application and administration, we have two distinct charges. The first charge is a mortgage advice fee. This is £450 payable at outset and is non-refundable. Upon completion, we charge a mortgage arrangement fee. This is 0.3% of the mortgage value. If you choose to pay the mortgage arrangement charge directly, we will rebate any commission received from the mortgage provider to you. Alternatively, you may instruct us to use the commission we received to reduce or eliminate your arrangement fee. Any commission received in excess of our charges will always be rebated to you.

For example, to provide our overseas mortgage service on an amount of £500,000 would cost £450 plus £1,500 (£500,000 x 0.3%) = £1,950.

Commercial Mortgages (coming soon)

To provide our full commercial mortgage service including product research, mortgage advice, application and administration, we have two distinct charges. The first charge is a mortgage advice fee. This is £350 payable at outset and is non-refundable. Upon completion, we charge a mortgage arrangement fee. This is 0.3% of the mortgage value. If you choose to pay the mortgage arrangement charge directly, we will rebate any commission received from the mortgage provider to you. Alternatively, you may instruct us to use the commission we received to reduce or eliminate your arrangement fee. Any commission received in excess of our charges will always be rebated to you.

For example, to provide our commercial mortgage service on an amount of £300,000 would cost £350 plus £900 (£300,000 x 0.3%) = £1,250.

Other Property Buying Services

For any other specialist property buying services we will quote a price on enquiry. We are always clear on what you will pay for our services before you commence.

Your home may be repossessed if you do not keep up repayments on your mortgage

NorthStar clients get more but pay less

Our clients enjoy better returns, better advice and a better level of service.We deliver all this at a lower price than many of our competitors.Find out more about our commitment to drive down charges and how we’re going about it.

The Financial Conduct Authority (FCA) does not regulate some forms of inheritance tax planning or will writing services.Long-term care and equity release advice provided by selected third-parties. These services are not provided by NorthStar directly.

Our commitment on charges

At NorthStar, we’re committed to providing clear and simple charges for all our services.We believe in total transparency so you’ll always know what you will pay.No hidden charges, no additional fees, no nasty surprises – that’s a promise.

Act today to make your new home a reality

With the perfect mortgage, you could be a step closer to own the home you have always dreamed about. Let our mortgage experts help you every step of the way.

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About NorthStar

At NorthStar, we bring a fresh perspective and innovative approach to wealth management. Our team of chartered financial planners combine their expertise with the latest technology to provide the highest quality independent financial planning and advice. We help our clients take control of their money, grow their wealth, protect their lifestyle and plan for a more certain future.

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